Terms of Service
These Terms are the agreement between First Meets LLC and the licensed agents and advisors who buy appointment credits from us.
1. Who we are and what this covers
First Meets LLC ("First Meets," "we") is a Texas limited liability company. These Terms govern your use of firstmeets.com, the First Meets agent platform, and any appointment credits you buy. By creating an account or buying a Pack you agree to them. If you are agreeing on behalf of an agency or firm, you confirm you have authority to bind it.
2. Definitions
- Prospect: a person who books an appointment through a booking page operated by First Meets.
- Appointment: a scheduled video meeting between you and one Prospect, booked by the Prospect and placed on your calendar by First Meets.
- Attended: the Prospect joined the video meeting at the scheduled time, as shown by the video platform's join records.
- Credit: the right to one Attended Appointment.
- Pack: a prepaid bundle of Credits (10, 20 or 50, or another quantity agreed in a signed order).
- Available balance: Credits purchased, minus Credits used, minus Credits reserved for booked Appointments.
- Territory: the states you are licensed in and have told us about.
3. What First Meets does and does not do
First Meets schedules Appointments. We do not sell insurance, securities or financial products, we do not give financial advice, and we are not a party to anything you and a Prospect agree on. We do not sell contact lists or data. What happens on the call, and anything that follows it, is between you and the Prospect and is your responsibility.
4. Who can use the service
You must be at least 18, hold the licenses required to meet with Prospects about retirement and insurance matters in your Territory, and keep those licenses in good standing. You will tell us within 5 business days if a license lapses or is restricted. We may ask for proof of licensure and may refuse or end service if we cannot confirm it.
5. Packs, Credits and payment
Packs are paid in advance by card or ACH through our payment processor. Prices are those shown at the time of purchase or in a signed order.
When a Prospect books an Appointment, one Credit is reserved against your balance. The Credit is used only after we confirm from the video platform's join records that the Appointment was Attended. Confirmation normally happens within 2 business days of the scheduled time. If the Prospect did not join, the reservation is released and the Credit returns to your available balance. A rescheduled Appointment carries its reservation to the new time. A Prospect cancellation releases the reservation.
Credits expire 12 months after the date of purchase. All purchases are final. Unused Credits are not refundable and have no cash value, except as described in section 16. You are responsible for any sales tax that applies.
6. Auto-refill
If you turn on auto-refill, you authorize First Meets to charge your saved payment method for a Pack of the size you chose whenever your available balance reaches 2 Credits. We will charge no more than one auto-refill in any 7-day period and will email a receipt for each charge. You can turn auto-refill off at any time by contacting us, and it stops before the next charge.
7. Attendance confirmation and disputes
We determine attendance from the video platform's join records, not from either party's account of the call. If you believe a Credit was used for an Appointment the Prospect did not attend, tell us within 48 hours of the scheduled time. We will review the records and reply within 5 business days, and our determination from those records is final.
An Appointment where the Prospect joined and you did not is Attended. A Prospect who joins within 10 minutes of the scheduled time is Attended. A Prospect who joins later than that is treated as a no-show unless you choose to hold the meeting.
8. Your calendar and your conduct
You will keep your availability current, join Appointments on time from a device with working video, and treat Prospects courteously. If you miss an Appointment the Prospect attended, the Credit is used and the Prospect may be offered a different agent. Repeated missed Appointments are grounds for suspension.
9. Compliance is yours
You are solely responsible for complying with the laws, regulations and firm rules that apply to you. These include state insurance regulations, FINRA and SEC rules where applicable, your broker-dealer's or RIA's supervision and advertising requirements, and the TCPA, CAN-SPAM and state telemarketing laws for any contact you make with a Prospect after the Appointment. First Meets makes no representation that buying Appointments satisfies any requirement of your firm or regulator. You will not describe First Meets as your agent, affiliate or representative.
10. One agent per Appointment
Each Appointment is delivered to one agent and is never resold or shared by us. You will not transfer, resell or share an Appointment or a Prospect's information with anyone outside your firm. Territory exclusivity exists only where a signed order says so, and only on its terms.
11. Prospect information
We give you a Prospect's name, contact details and questionnaire answers for the purpose of the Appointment and your follow-up with that Prospect. You will protect that information, use it only for that purpose, honor any opt-out the Prospect gives you, and delete it on request where the law requires. You will not add Prospects to marketing lists they did not ask to join, and you will not sell or share their information. First Meets keeps booking and attendance records as described in the Privacy Policy.
12. Our name and platform
First Meets, our mark, firstmeets.com and the agent platform belong to us. You may say you buy appointments from First Meets. You may not use our name or mark in advertising, on your website or in any communication with a Prospect without our written permission.
13. No guarantees
We do not guarantee any number of Appointments in any period, any attendance rate, any second meeting, or any sale. Any figures in our materials describe the founder's prior experience with the same method and are targets, not promises. The service is provided as is.
14. Limitation of liability
To the fullest extent the law allows, our total liability to you for anything arising out of these Terms or the service is limited to the amount you paid us in the 12 months before the claim. We are not liable for indirect, consequential, special or punitive damages, lost profits or lost business, even if we were told they were possible.
15. Indemnification
You will defend and indemnify First Meets and its members, employees and agents against claims, losses and expenses (including reasonable attorneys' fees) arising from your conduct on or after an Appointment, your use of Prospect information, your breach of these Terms, or your violation of any law or firm rule.
16. Suspension and termination
We may suspend or end your access for breach of these Terms, loss of licensure, Prospect complaints, or conduct that harms Prospects or First Meets. You may close your account at any time. If you close your account, unused Credits are not refunded. If we end your access, we will refund your unused Credits at the price you paid for them. Sections 3, 9, 11 through 15 and 17 survive termination.
17. Governing law and disputes
Texas law governs these Terms, without regard to conflict-of-laws rules. Before filing any claim, you will contact us and we will both try for 30 days to resolve it informally.
Arbitration. Any dispute not resolved informally will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator. The place of arbitration is Harris County, Texas. Hearings will be held by video unless the arbitrator decides an in-person hearing is needed, in which case it will be held in Harris County, Texas. Judgment on the award may be entered in any court with jurisdiction. This section is governed by the Federal Arbitration Act.
Small claims. Either of us may instead bring an individual claim in small claims court if the claim qualifies there.
Individual claims only. Claims may be brought only on an individual basis, not as a plaintiff or class member in any class, collective or representative proceeding. The arbitrator may not combine the claims of more than one agent.
Court orders. Either of us may ask a court for an order to stop misuse of our name, marks or confidential information, or of Prospect information, while a dispute is resolved.
No jury trial. You and First Meets each give up the right to a jury trial for any dispute covered by this section.
18. Changes
We may update these Terms. For material changes we will give at least 30 days' notice by email to the address on your account. Continued use after the effective date is acceptance. Credits bought before a change are governed by the price and refund terms in effect when they were bought.
19. General
These Terms, any signed order, and the Privacy Policy are the whole agreement. If a provision is unenforceable, the rest stands. Our not enforcing a right is not a waiver. You may not assign these Terms without our consent. We may assign them to a successor.
20. Contact
Questions about these Terms can be emailed to privacy@firstmeets.com.